BanksFARMERS STATE BANK

FARMERS STATE BANK

PHILLIPSBURG, KSMicroEst. Jan. 1, 1909, midnightFDIC #14344RSSD #603559FED
Latest · 2025-12-31

FARMERS STATE BANK is an FDIC-insured commercial bank headquartered in PHILLIPSBURG, KS, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $41M and total deposits of $33M. Profitability stands at 0.83% ROA and 8.54% ROE, with a net interest margin of 3.52%. CET1 capital ratio: 10.04%, well above regulatory minimums. NPL ratio: 1.87% · Texas Ratio: 9.07%. Operates 1 domestic branch.

Assets
$41M
Deposits
$33M
Loans
$22M
Equity
$4M

Profitability

Return on Assets (ROA)0.83%
Return on Equity (ROE)8.54%
Net Interest Margin3.52%
Yield on Assets5.55%
Cost of Funds2.08%

Asset Quality

NPL Ratio1.87%
Net Charge-Off Ratio-0.10%
Texas Ratio9.07%
NPA Ratio1.00%
ACL / Loans1.88%

Capital & Liquidity

CET1 Ratio10.04%
Tier 1 Capital10.04%
Total Capital Ratio10.54%
Leverage Ratio12.02%
Loan-to-Deposit66.08%

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